120+ more*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Updated
Drivers in Huntsville, Texas, pay around $110 per month for liability insurance and $202 per month for full coverage. That’s much cheaper than in Houston, where drivers pay monthly average of $169 for liability coverage and $281 for full coverage. In nearby Conroe, drivers pay $131 per month for liability coverage and $226 per month for full coverage.
Huntsville has a much lower population density than Conroe or Houston. Huntsville has about 1,079 people per square mile, compared to 1,250 in Conroe and 3,598 in Houston.[1] A lower density can mean fewer cars on the road and potentially fewer accidents, which may help reduce average car insurance costs.
The average cost of liability-only car insurance in Huntsville is $110 per month. That’s slightly cheaper than the Texas state average cost of $110 per month.
Texas law requires drivers to have the following minimum liability insurance, which insurers also call 30/60/25 coverage:[2]
$30,000 in bodily injury liability per person
$60,000 in bodily injury liability coverage per accident
$25,000 in property damage liability per accident
The following table shows the cheapest rates for liability-only car insurance in Huntsville.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| Progressive | $62 |
| Mile Auto | $63 |
| GEICO | $67 |
| USAA | $80 |
| First Acceptance | $82 |
| Mercury | $84 |
| Alinsco | $85 |
| GAINSCO | $87 |
| The General | $87 |
| Lone Star | $90 |
| Commonwealth Casualty | $91 |
| Covercube | $93 |
| Bristol West | $96 |
| Root | $96 |
| AssuranceAmerica | $100 |
| Dairyland | $102 |
| Mendota | $103 |
| Allstate | $105 |
| Sun Coast | $105 |
| Direct Auto | $107 |
| Excepsure | $107 |
| Safeco | $108 |
| Clearcover | $109 |
| Elephant | $112 |
| Loop | $112 |
| National General | $114 |
| Trexis One | $133 |
| Chubb | $138 |
| Insurify Car | $144 |
| 21st Century | $159 |
| Hugo | $162 |
| Liberty Mutual | $178 |
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Full-coverage car insurance averages about $202 per month in Huntsville. That’s much lower than in Conroe, where drivers pay $226 per month, but pricier than in College Station, where drivers pay around $198 per month.
If you’re one of the 34% of Huntsville drivers with a car lease or loan, your lender will likely require full-coverage car insurance, including comprehensive coverage and collision coverage.
The table below shows the cheapest rates for full-coverage car insurance in Huntsville.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| Progressive | $114 |
| Mercury | $139 |
| GEICO | $141 |
| Mile Auto | $146 |
| USAA | $156 |
| Allstate | $160 |
| Root | $163 |
| Safeco | $165 |
| GAINSCO | $170 |
| Direct Auto | $171 |
| Alinsco | $172 |
| Elephant | $180 |
| AssuranceAmerica | $181 |
| Clearcover | $181 |
| Bristol West | $186 |
| National General | $191 |
| The General | $193 |
| Commonwealth Casualty | $199 |
| Mendota | $203 |
| First Acceptance | $205 |
| Lone Star | $211 |
| Loop | $213 |
| Covercube | $217 |
| Sun Coast | $218 |
| Dairyland | $236 |
| Liberty Mutual | $260 |
| Chubb | $265 |
| Trexis One | $281 |
| 21st Century | $306 |
Corsicana is the cheapest city in Texas for car insurance, with an average monthly rate of $137. Houston is the most expensive city, at $225 per month. Huntsville and Conroe’s average rates fall in the middle of that range.
Houston sits in Harris County, which has the second-highest number of car thefts in the U.S., according to National Insurance Crime Bureau (NICB) data. On the other hand, Walker County, where Huntsville is, ranks No. 340. This may help explain why Huntsville drivers have lower rates, as the number of car thefts in a city or county can affect car insurance rates.
The following table shows the cheapest car insurance rates in different Texas cities.
City | Average Monthly Quote |
|---|---|
| Temple | $136 |
| Corsicana | $137 |
| Victoria | $138 |
| Commerce | $139 |
| Texarkana | $139 |
| Abilene | $140 |
| Big Spring | $140 |
| Lufkin | $142 |
| Nacogdoches | $142 |
| Greenville | $145 |
| Cleburne | $146 |
| El Paso | $146 |
| Grapevine | $146 |
| Bryan | $147 |
| Jacksonville | $150 |
| Harlingen | $151 |
| New Braunfels | $151 |
| College Station | $153 |
| Coppell | $153 |
| Georgetown | $153 |
| Midland | $153 |
| Waxahachie | $153 |
| Killeen | $155 |
| Lubbock | $155 |
| Haltom City | $158 |
| Amarillo | $159 |
| Keller | $159 |
| San Marcos | $160 |
| Cedar Park | $161 |
| Laredo | $161 |
| Lewisville | $161 |
| Round Rock | $161 |
| Burleson | $162 |
| Denton | $162 |
| Friendswood | $163 |
| Frisco | $163 |
| Southlake | $163 |
| Leander | $164 |
| Fort Worth | $165 |
| Mansfield | $165 |
| Brownsville | $167 |
| Mckinney | $168 |
| Plano | $168 |
| Montgomery | $172 |
| Arlington | $173 |
| Pflugerville | $173 |
| Austin | $174 |
| Duncanville | $174 |
| Grand Prairie | $174 |
| La Porte | $174 |
| Odessa | $174 |
| Balch Springs | $175 |
| Corpus Christi | $175 |
| Galveston | $175 |
| Irving | $176 |
| League City | $176 |
| San Antonio | $176 |
| Forney | $177 |
| Conroe | $179 |
| Beaumont | $181 |
| Rowlett | $181 |
| Mcallen | $182 |
| Pearland | $183 |
| Cleveland | $184 |
| Garland | $184 |
| Rockwall | $184 |
| Sugar Land | $184 |
| Lancaster | $186 |
| Mission | $186 |
| San Juan | $186 |
| Mesquite | $188 |
| Baytown | $190 |
| Dallas | $190 |
| Spring | $192 |
| Katy | $199 |
| Humble | $201 |
| Fresno | $206 |
| Houston | $225 |
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Huntsville, Texas within the last 10 days. Last updated on October 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your driving history can influence your car insurance premiums, and violations can cause your rates to rise. Below are the cheapest car insurance companies for Huntsville drivers with a clean driving record, a speeding ticket, an at-fault accident, and a driving while intoxicated (DWI) conviction.
Cheapest car insurance for Huntsville drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Huntsville: State Farm
Cheapest car insurance for Huntsville drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DWI in Huntsville: State Farm
About 4.7% of Huntsville drivers have an at-fault accident, 3.5% have a speeding ticket, and 0.23% have a DWI on their record, according to Insurify data. If you’re among these drivers, you could pay more for car insurance than a driver with a clean record.
Texas is an at-fault state, which means the driver who causes an accident is liable for any resulting property damage or injuries. This can affect your car insurance rates.
A court may order drivers with a DWI conviction in Walker County to install an ignition interlock device that requires a breath test before the vehicle can start.[3] Alternatively, the court may require the driver to wear a Secure Continuous Remote Alcohol Monitor (SCRAM) device that tests for alcohol multiple times per day.
The following table shows the average monthly car insurance rates for Huntsville drivers by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $156 |
| Speeding ticket | $198 |
| At-fault accident | $209 |
| DWI | $219 |
Huntsville has a minor flood risk, according to First Street, but the Federal Emergency Management Agency considers certain areas Special Flood Hazard Areas (SFHAs). U.S. Route 190 between Avenues M and N, as well as the area near the corner of 13th Street and Avenue M, may flood during heavy rainfall.
Huntsville enforces time-limited parking downtown. The city uses the ParkMobile app to collect parking payments. Parking enforcement employees use a handheld device that syncs with the app to verify payments. ParkMobile sends a notification before your parking session expires, and you can extend your session if needed.
On the first Saturday of October, Huntsville hosts the Fair on the Square festival. The event can affect downtown traffic and parking, with limited parking available near the festival. You can avoid congestion by parking at Sam Houston State University’s Bowers Stadium or University Heights Baptist Church and taking a free shuttle to the event.
Huntsville’s relatively light traffic may contribute to its affordable car insurance rates. For example, a section of Interstate 45 through Huntsville carried an average of 14,475 vehicles per day in 2025.[4]
Additionally, Huntsville residents have an average commute time of 23.4 minutes, compared to the Texas average of 26.7 minutes, according to U.S. census data. Huntsville also recorded 1,081 total crashes in 2024, compared to 3,180 in Conroe, according to Texas Department of Transportation data. Areas with fewer accidents typically have lower insurance rates than cities with higher crash rates.
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Teen drivers in Huntsville pay around $215 per month for liability-only car insurance. That’s slightly cheaper than the state average cost of $215 per month.
The Lone Star State has two phases for teenagers learning to drive. At age 15, they can apply for a learner’s license that lets them practice with a licensed adult driver. After at least six months and at age 16, they can apply for a provisional license with limited driving hours.
The table below shows the cheapest rates for teenage drivers in Huntsville.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $91 |
| Progressive | $121 |
| GEICO | $125 |
| Mile Auto | $133 |
| Root | $151 |
| USAA | $151 |
| GAINSCO | $157 |
| Mercury | $157 |
| First Acceptance | $160 |
| The General | $162 |
| Alinsco | $166 |
| Bristol West | $175 |
| Lone Star | $176 |
| Commonwealth Casualty | $178 |
| Covercube | $182 |
| Dairyland | $182 |
| Clearcover | $184 |
| Mendota | $201 |
| Allstate | $205 |
| Sun Coast | $205 |
| Excepsure | $209 |
| Elephant | $211 |
| AssuranceAmerica | $212 |
| Direct Auto | $214 |
| Loop | $219 |
| Safeco | $227 |
| National General | $232 |
| Trexis One | $260 |
| Insurify Car | $281 |
| Chubb | $288 |
| 21st Century | $291 |
| Hugo | $316 |
| Liberty Mutual | $322 |
Around 11.6% of Huntsville residents are 65 or older, according to the U.S. Census Bureau. That’s much less than the state average of 14.9%. The average cost of liability-only car insurance for senior drivers in Huntsville is $93 per month.
Seniors in Huntsville can find the cheapest coverage with State Farm, at $36 per month. The table below shows the cheapest auto insurance rates for senior drivers in Huntsville.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $36 |
| Mile Auto | $49 |
| Progressive | $52 |
| GEICO | $53 |
| USAA | $64 |
| Mercury | $65 |
| First Acceptance | $69 |
| Alinsco | $72 |
| Commonwealth Casualty | $73 |
| The General | $73 |
| GAINSCO | $74 |
| Lone Star | $76 |
| AssuranceAmerica | $77 |
| Covercube | $79 |
| Bristol West | $79 |
| Dairyland | $85 |
| Direct Auto | $86 |
| Mendota | $87 |
| Root | $88 |
| National General | $89 |
| Allstate | $89 |
| Sun Coast | $89 |
| Elephant | $89 |
| Excepsure | $91 |
| Safeco | $93 |
| Loop | $95 |
| Clearcover | $95 |
| Chubb | $103 |
| Trexis One | $113 |
| Insurify Car | $122 |
| 21st Century | $124 |
| Hugo | $137 |
| Liberty Mutual | $146 |
The answers to the following common questions can help you find the best car insurance in Huntsville, Texas, for your budget and coverage needs.
Car insurance costs an average of $156 per month in Huntsville, Texas. You can compare costs by requesting quotes from multiple insurers that offer coverage in the state.
Texas requires all drivers to have at least 30/60/25 coverage. That’s essentially $30,000 per person and $60,000 per accident in bodily injury liability insurance. Drivers must also have at least $25,000 in property damage liability coverage.
The best rates for you depend on your coverage needs and budget. That said, State Farm and Progressive have the cheapest car insurance rates in Huntsville. Comparing quotes from several insurance companies or through an independent insurance agency can help you find the right coverage at the right price.
Some of the main factors that influence your car insurance rates in Huntsville include your driving record, claims history, and ZIP code. Huntsville’s relatively low rates compared to nearby cities may also reflect local factors like lighter traffic, lower crash frequency, and fewer vehicle thefts.
Common car insurance discounts in Huntsville include good driver, driver education, good student, and multi-policy discounts. For example, you might get a discount by bundling your auto insurance with your home, renters, or life insurance.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
